i lost my phone

Your phone being stolen - and you purchasing a replacement - are unrelated…

… unless you have an active AppleCare+ plan that includes optional cover for loss/theft.

If you have benefit of the AppleCare+ plan that includes loss/theft, the service cost of an “incident” will be included in your plan documentation. More information about filing a claim (if applicable)mcan be found here:

File a claim if you have AppleCare+ with Theft and Loss coverage - Apple Support

Otherwise, without this benefit or a non-Apple insurance policy, the replacement cost to you will be the full purchase price of the iPhone model that you choose.

Hello ~ Take a look here by clicking on below…

If your iPhone, iPad, or iPod touch is lost or stolen - Apple Support

Do you have AppleCare + Theft and Loss?

File a claim if you have AppleCare+ with Theft and Loss coverage - Apple Support

~Katana-San~

You did not mention if you have AppleCare+ Theft and Loss coverage, so we assume that you don't. Purchasing a new phone would depend on the model of iPhone 14 that you choose.

All the details are here:

iPhone 14 Pro and iPhone 14 Pro Max - Apple

iPhone 14 and iPhone 14 Plus - Apple